Senior Credit Rating Specialist

Examples of Key Activities:

• Develop and maintain internal credit rating methodologies and models across multiple asset classes, with a focus on real estate and/or project finance, ensuring alignment with external rating agency standards and regulatory expectations.
• Serve as a subject-matter expert to the origination team and Line 2, offering guidance and support on the application of internal rating methodologies as needed.
• Review and challenge internal ratings and supporting materials prepared by the origination team, ensuring consistency, transparency, and robustness in the internal credit rating process.
• Validate the methodologies used by external fund managers by assessing their approach against Just’s internal standards and applicable regulatory expectations.
• Validate credit ratings assigned by fund managers by independently re-rating a sample of transactions using Just’s internal methodology and presenting the findings to the Credit Committee.

Essential for the role

• Solid technical understanding of either the commercial real estate sector or project finance from a credit risk perspective
• Strong understanding of the credit rating process, developed through experience at a rating agency, asset manager, insurance company, or bank.

Desirable

• Professional qualifications such as CFA, ACA, or ACCA would be an asset.

Skills and Knowledge

• Strong analytical and credit assessment skills, with the ability to apply structured judgement across various asset classes and transactions.
• Solid technical knowledge of either the commercial real estate sector or project finance, with the ability to assess key credit drivers and structural features.
• Familiarity with rating agency methodologies and/or internal methodologies for real estate or project finance transactions would be an asset.
• Proficient Excel user, capable of building and operating credit rating models of moderate complexity to support the application of internal methodologies.
• Effective written communication skills, with the ability to produce structured rating memos, methodology papers, and committee materials.
• Strong stakeholder management and collaboration skills, with the ability to engage cross-functionally across the origination team and second line of defence.
• Confidence to challenge constructively, balancing independence with collaboration.
• Ability to work independently, manage competing priorities, and deliver high-quality outputs under time pressure.

Experience

• Proven experience in credit analysis or credit ratings, developed through roles at a rating agency, asset manager, insurer, or bank.
• Practical experience assessing complex transactions, particularly in real estate or project finance, including analysis of structures and legal documentation.
• Involvement in the development or application of credit rating methodologies, including scorecard-based and qualitative frameworks; experience designing internal methodologies is an advantage.
• Hands-on experience operating internal rating models, using Excel or similar tools to apply methodologies and assign internal credit ratings.

Company Benefits

• A Competitive Salary, Pension Scheme and Life Assurance
• Along with 25 Days Annual Leave plus an Additional Day on us for your Birthday
• Private Medical Cover and Income Protection, just in case
• A generous and highly achievable bonus scheme – paid annually based on individual and company performance against targets
• Opportunity to progress within your career both in-role and within the company
• FREE access to the Headspace App, a 24/7 Employee Assistance Helpline and Trained Physical & Mental Health First Aiders (On-Site)
• A variety of Employee Funded Benefits available to you via our Online Benefits Portal
• Plus, several additional purchase options available for you and your loved ones

Why Just?

At Just you’ll have the opportunity to develop your career, whilst making a difference to the lives of those around you.  You’ll be part of a company with a strong and distinctive culture - we’re ambitious, curious and collaborative – and every decision we make centres around being Just and delivering the best outcomes for our customers.

We’re committed to building a more sustainable business, and we’re working hard to make progress against our Net Zero targets. We're reducing our reliance on fossil fuels in our offices, switching to more sustainable sources of energy and we're investing more of our money in green and social assets.

Valuing diversity of thought and fostering a sense of belonging is critical to our business success, driving innovation and balanced decision making. Our work on DEIB (Diversity, Equity, Inclusion and Belonging) aims to deliver a brilliant employee experience underpinned by a sense of belonging, where our people feel proud to work at Just. We remain committed to our publicly disclosed HM Treasury Women in Finance Charter and Race at Work Charter targets and support a wide range of employee network and events, championing issues including intergenerational working, social mobility and neurodiversity.

Be Bold. Be Brilliant. Be Just.